Side-by-side · Q2 2026 data
Ware County School Employees Federal Credit Union vs E L C O Federal Credit Union
Credit union
Ware County School Employees Federal Credit Union
Waycross, Georgia · Under $100 million in assets
Metric by metric
| Measure | Ware County School Employees Federal Credit Union | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 62 | 78 (stronger) |
| Funding & liquidity | 75 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 80th | 75th |
| Total assets | $6.3M | $5.3M |
| Deposits / shares | $5.4M | $4.2M |
| Capital ratio | 14.08% | 20.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.78% |
| Net charge-offs | 0.13% (stronger) | 0.42% |
| Return on assets | 1.05% | 1.45% (stronger) |
| Loans ÷ deposits | 85.7% (stronger) | 90.2% |
| Uninsured deposits | 12.6% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ware County School Employees Federal Credit Union has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Ware County School Employees Federal Credit Union leads on 4 and E L C O Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.